The RBC Avion Visa Business Credit Card vs RBC® Business Cash Back Mastercard‡

Both business cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

The RBC Avion Visa Business Credit Card

3.1

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Our review Rewards calculator

RBC® Business Cash Back Mastercard‡

2.9

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Our review Rewards calculator

Worked out on a typical small business spending $4,000 a month. Enter yours to see your own numbers.

$1,363

First-year value

$422

$663

Every year after

$302

The RBC Avion Visa Business Credit Card is worth $941 more to your business in year one.

It stays ahead after that, by $362 a year.

How the first year adds up

Rewards and the welcome bonus in, the annual fee, FX fees and employee cards out, at your spending.

$963.36

in RBC Avion (Elite) Rewards points a year

Annual rewards

$481.8

cash back a year

+ $700

first year only

Welcome bonus

+ $120.45

first year only

− $120

Annual fee

− $0

no annual fee

− $180

2.5% on $600/mo

FX fees

− $180

2.5% on $600/mo

$1,363.36

First-year value

$422.25

Where each card earns

A year of your spending on each card, category by category, biggest spend first.

The RBC Avion Visa Business Credit Card earns more on 17 of your 17 categories.

$252

at 1x

All Other Business Expenses

$12,600 a year

$126

at 1%

$122.88

at 1x

US Dollar Purchases

$6,150 a year

$61.5

at 1%

$96

at 1x

Recurring Bills & Subscriptions

$4,800 a year

$48

at 1%

$72

at 1x

Gas & EV Charging

$3,600 a year

$36

at 1%

$72

at 1x

Dining & Restaurants

$3,600 a year

$36

at 1%

$60

at 1x

Office Supplies

$3,000 a year

$30

at 1%

$48

at 1x

Phone, Internet & Cable

$2,400 a year

$24

at 1%

$36

at 1x

Hotels

$1,800 a year

$18

at 1%

$36

at 1x

Shipping & Courier

$1,800 a year

$18

at 1%

$36

at 1x

Accounting & Bookkeeping

$1,800 a year

$18

at 1%

$24.48

at 1x

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

$12.3

at 1%

$24

at 1x

Electronics & Software

$1,200 a year

$12

at 1%

$24

at 1x

Air Canada

$1,200 a year

$12

at 1%

$24

at 1x

Transportation

$1,200 a year

$12

at 1%

$12

at 1x

Other Airlines

$600 a year

at 1%

$12

at 1x

Car Rental

$600 a year

at 1%

$12

at 1x

Other Travel

$600 a year

at 1%

$963.36

Rewards in a year

$481.8

Welcome bonus

Each offer as the issuer words it, then which milestones your spending reaches.

The RBC Avion Visa Business Credit Card

Enjoy 35,000 Welcome Avion points upon enrollment¹

RBC® Business Cash Back Mastercard‡

Earn 2% cash back on purchases^* made on your card in the first three months.

The RBC Avion Visa Business Credit Card

Worth $700 at your spending

35,000 Avion points on enrollment

35,000 pts

RBC® Business Cash Back Mastercard‡

Worth $120.45 at your spending

Intro rate for the first 3 months

$120.45

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$120

Annual fee

$50

Employee cards

$0, max. of 1 additional card

2.5%

Foreign transaction fee

2.5%

RBC Avion (Elite) Rewards

Rewards

Cash back

Visa

Network

Mastercard

The RBC Avion Visa Business Credit Card

Interest rates

Purchase:

19.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Recommended credit score

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

RBC® Business Cash Back Mastercard‡

Interest rates

Purchase:

19.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Recommended credit score

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

How each card earns

The earn rates and caps, as each issuer sets them.

The RBC Avion Visa Business Credit Card

Earn 1 Avion point for every $1 spent in net purchases with your card³

RBC® Business Cash Back Mastercard‡

Earn 2% cash back on purchases^* made on your card in the first three months.
Earn 1% cash back on purchases^* made on your card after three months.
Once your cash back balance reaches $25 or more, you can have the full amount credited to your account at any time. Otherwise the cash back rewards will automatically be credited to your account every January.
Get $0 delivery fees for 3 months from DoorDash⁶

Insurance and perks

What both cards include comes first in each list.

The RBC Avion Visa Business Credit Card

Insurance

Extended Warranty

Up to 1 year

Purchase Protection

90 days

Lost or Stolen Baggage

$500

Baggage Delay

$500

Car Rental Damage & Theft

Included

Common Carrier Travel Accident Insurance

$500,000

Hotel Burglary Insurance

$2,500

Trip Cancellation

$1,500

Trip Interruption

$5,000

Flight Delay

$500

Perks

Gas Discount

save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada

RBC® Business Cash Back Mastercard‡

Insurance

Extended Warranty

Up to a year

Purchase Protection

90 days

Perks

No extra perks.

Our take

The RBC Avion Visa Business Credit Card

A straightforward travel rewards card: 1 Avion point per dollar on everything, no bonus categories to chase. The real appeal is the flexibility — Avion points transfer to British Airways Avios, WestJet dollars, and Cathay Pacific miles, giving you multiple ways to get value from your spending. At $120/year it’s reasonably priced for a travel card, and the 35,000-point welcome bonus helps offset the fee in year one. The 1x flat rate won’t wow anyone, but if you want a simple earn-and-transfer card for a business that spends broadly, this does it well. Just know that non-travel redemptions are poor value.

Decent reward flat rate
Flexible redemption options
Comprehensive insurance
Interest-free grace period
Potential annual fee discount
Gas discounts

Low base earn rate
No lounge access
Supplementary card fees
Foreign transaction fees
Limited premium perks
No emergency medical insurance
Limited additional cards

RBC® Business Cash Back Mastercard‡

Flat 1% cash back on everything, no annual fee, no categories to optimize. It’s about as simple as a business rewards card gets. You won’t maximize value here — 1% is below what category-specific cards offer — but you also won’t pay a cent in fees or waste time tracking bonus spending. The 2% promotional rate for the first three months adds a small upfront sweetener. This card works best for sole proprietors or small businesses that just want to earn something on every purchase without any complexity. If your spending is high enough to justify a fee card, look elsewhere.

No annual fee
Simple cashback program
Interest-free grace period
DashPass subscription
Contactless payments
Credit card lock feature
Zero liability protection

No bonus cashback categories
limited additional cards
No travel perks
Foreign transaction fees
Annual cashback caps
No airport lounge access
Basic insurance coverage

More business card comparisons

Each card against every other business card we review.

The RBC Avion Visa Business Credit Card

RBC® Business Cash Back Mastercard‡

Legal

The RBC Avion Visa Business Credit Card

¹To receive the 35,000 Welcome Avion points (“Welcome Points”), your application must be approved by us. The Welcome Points will appear on your first credit card statement after your application has been approved. Only the primary business owner on the account is eligible for the Welcome Points; additional business owner(s) and cardholder(s), existing RBC Avion Visa Business cardholders, as well as existing RBC Avion Infinite Visa Business cardholders, applying for or transferring to the RBC Avion Visa Business credit card are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.

³Avion points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

RBC® Business Cash Back Mastercard‡

^*Annual cash back cap : $650

⁶To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before September 30, 2025 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions .

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 3 month or 12 month Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.

DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.

Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.

You are only eligible for one 12 month Complimentary DashPass Subscription and one 3 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 3 month Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.

12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, RBC Cathay Pacific Visa Platinum, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business cardholder.

You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

3 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Rewards+ Visa, Signature RBC Rewards Visa, RBC Visa Platinum, RBC Visa Cash Back, RBC Cash Back Mastercard, RBC Visa Classic Low Rate Option, RBC Visa Classic, RBC Student Visa Classic, RBC Visa Classic II Student, RBC Visa Gold, RBC U.S. Dollar Visa Gold, RBC Rewards Visa Gold, RBC RateAdvantage Visa, WestJet RBC Mastercard, RBC Visa Business, RBC Visa Business Gold, RBC Visa CreditLine for Small Business, or RBC Business Cash Back Mastercard.

You are eligible for a Complimentary DashPass Subscription for 3 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 3 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf.